corgi so naughty

don't think too much, i also b40
and there are credit cards u know
always can do balance transfer or instalment

life of a b40, never ending credit card debt

i spent 35k for family of 5 to japan on march 2025 for about 12 days

Raises some valid issues but bit of holy predator logic here though

Imagine you save RM5k every month and till year end you got RM60k saved for the year but in between you've spend RM20k on oversea trips and luxury purchases, how to hit the million ringgit retirement target then?

To save up 5K it's more or less given said person is drawing a nice salary or paying himself one from his business

Year end bonus and or dividend should be able to cater for this one time luxury. Besides do ppl who have such a mindset of putting away substantial amount in savings really splurge year in year out.

This post has been edited by 9m2w: Jun 8 2025, 10:53 AM

Was complacent, too naive and influence by wrong advices, made wrong decision to decline sg offer, stayed too long in cinamang smes.

Now unker too late only know that there is no guarantee. EPF or not the only thing certain is that inflation + MYR will laosai long term.

Price for 1 pax?

This post has been edited by knwong: Jun 8 2025, 10:57 AM

If single by 40s and 50s maybe its fine to yolo abit. Keep so much for who ?

Please call the number for more info

You never go overseas?

Many ppl bipolar kan ? Mulut say safe safe safe, bebeird say travel 20k and buy hp hb. Dunno what to say liao.

You have not see when they buy new car that cannot afford. LoL.

Tats y if same income, u will end up retiring as a multi million air and the other guy only got 500k.


Tepok dada, tanya saiz bra.

Hardly need to spend more than 10k for family of 4.
Thanks to frequent flyer miles and hotel loyalty points. Saved a lot from there cos can redeem flights and hotel stay for free

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This post has been edited by jojolicia: Jun 8 2025, 11:41 AM

Pork porky chui

Jgn berkira dgn anak2, spend je, bump up the rates laa, nicer hotel kekeke

100% agreed. You sir should be the Finance Minister

my oversea trip spend near 70k

EPF 30-33% kan ada..if can save 2k-5k a month why wait until retire to travel

This post has been edited by gogocan: Jun 8 2025, 12:09 PM